Even if you pay out of band, you have to compete with the fees other transactions are bidding.
Right, but I'm not competing with fee rates ten years from now, but I CAN make a prediction about fiat price ten years from now.
I only have to compete with fee rates now. And some people paying fee rates now may have a less hopeful opinion of btc's fiat value in the future than I do. It becomes an arbitrage case (if I'm right about my future fiat price prediction).
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Why would you pay more in fees than the UTXO is worth? Shouldn't you rather buy more bitcoin instead then?
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